Should You Refinance Your Mortgage?

Should You Refinance Your Mortgage?


Dear Carrie,
I'm thinking of refinancing my mortgage since I know interest rates are going up. Does it still make sense or have I missed the boat?

--A Reader
Dear Reader,
Rising short-term interest rates are on a lot of people's minds these days. For savers, it's a plus, but borrowers--especially those with credit card balances--may see their payments


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Using Roth IRA earnings for a first-time home purchase

Dear Liz: My 29-year-old son recently married, and as a gift I pledged $20,000 as a down payment on a house. My daughter-in-law is beginning a career as a registered nurse and I know they will not be buying for a few years. Is there any type of account that will grow tax-free or tax-deferred for a first-time buyer? Maybe I could gift this money to them into a retirement account for the time being?
Answer: You may be able to give them enough money to fund Roth IRA accounts for both 2015 and 2016. They would be able to withdraw those contributions tax- and penalty-free at any time in the future for whatever purpose they wanted.


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Great Advice When it Comes to Landscaping

What changes can be made to my yard to prevent it from being dull? What do you need to do to dazzle your friends and neighbors with your landscape? The answers your seek are right here. Also included are tips for deciding how big your project needs to be.
Know what the difference between annuals and perennials are. You’ll also want to know what shrubs, plants. Flowers work best in your area. You need to take your local climate into consideration when improving your yard. This is vital information for the success of any gardening or landscaping project.


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Needy Home? Lavish it with Home Improvement Ideas

There are so many projects that can be done around the house if you just have the right information to know how to do them. This article will help you get started on learning what you need to know to improve your home. Read on and soak up a bit of savvy home improvement advice.
One of the best tips to help you on your quest to home improvement, is to take a personalized look at what you wish to achieve. Your personal touch will greatly enhance the look of any home improvement project.


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